The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,711
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,075
−HK$370/mo
Today · 4.125%
HK$12,445
baseline
▲ 0.50% · 4.625%
HK$13,202
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,890/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,028
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,377
−HK$355/mo
Today · 4.125%
HK$13,732
baseline
▲ 0.50% · 4.625%
HK$14,456
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,464/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,053
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,490
−HK$444/mo
Today · 4.125%
HK$14,934
baseline
▲ 0.50% · 4.625%
HK$15,843
+HK$909/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,868/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,633
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,053
−HK$425/mo
Today · 4.125%
HK$16,478
baseline
▲ 0.50% · 4.625%
HK$17,347
+HK$869/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,956/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,395
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,905
−HK$518/mo
Today · 4.125%
HK$17,423
baseline
▲ 0.50% · 4.625%
HK$18,483
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,846/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,239
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,728
−HK$496/mo
Today · 4.125%
HK$19,224
baseline
▲ 0.50% · 4.625%
HK$20,238
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,448/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,079
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,735
−HK$666/mo
Today · 4.125%
HK$22,401
baseline
▲ 0.50% · 4.625%
HK$23,764
+HK$1,363/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$44,802/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,450
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,079
−HK$638/mo
Today · 4.125%
HK$24,717
baseline
▲ 0.50% · 4.625%
HK$26,020
+HK$1,303/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$49,434/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,552 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).